Last Updated: 20/09/2026

These Terms and Conditions (the "Terms") constitute a legally binding agreement between you ("you," "your," or "User") and SkillForgeIO ("Company," "we," "us," or "our") governing your access to and use of the SkillForge mobile application, website (if applicable), and any related products or services (collectively, the "Services").

By downloading, accessing, creating an account, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services.

1. Eligibility

1.1: You must be at least eighteen (18) years of age to access or use the Services.

1.2: You represent and warrant that you have the legal capacity and authority to enter into these Terms.

1.3: The Services are currently offered solely to eligible Users physically located in Great Britain (England, Scotland and Wales), subject to any applicable legal, regional, or location-based restrictions.

1.4: You are solely responsible for ensuring that you meet all eligibility and location requirements applicable to your use of the Services.

1.5: The Company may restrict or prohibit access to the Services from certain locations where necessary to comply with applicable law, regulatory requirements, or the Company's geographic eligibility requirements.

2. Skill-Based Competitions

2.1: All games, matches, and competitions offered through the Services are skill-based competitions. Outcomes are determined predominantly by the relative skill, knowledge, reaction time, and decision-making abilities of participants.

2.2: The Services do not offer gambling, betting, lotteries, or games of chance as defined under applicable laws in Great Britain (England, Scotland and Wales).

2.3: Entry fees, where applicable, grant access to skill-based competition only and do not constitute a wager on chance-based outcomes.

2.4: Arena tournaments require a minimum of five (5) eligible Users to enter before the Arena tournament closes or times out. If fewer than five (5) eligible Users have entered by that time, the Arena tournament will be cancelled and all entry fees paid by participating Users for that Arena tournament will be refunded in full. No prizes or winnings will be awarded in respect of a cancelled Arena tournament.

2.5: Before entering a paid competition, the Services will display the applicable entry fee, prize information, and any material competition conditions or game-specific rules made available for that competition.

2.6: By entering a competition, you agree to be bound by these Terms together with any game-specific or competition-specific rules displayed within the Services.

2.7: A 1v1 competition allows two eligible Users to compete against each other under the applicable game rules and competition conditions displayed within the Services. The result will be determined using the valid score, result, or other performance data recorded by the Services.

2.8: Arena tournaments may remain open for a specified period and allow multiple eligible Users to enter and submit an eligible score or result. Rankings and results will be determined using eligible scores or results recorded through the Services in accordance with the applicable game and Arena rules.

2.9: The Company may introduce, modify, suspend, or remove competition formats, game modes, entry fee levels, or prize structures from time to time, provided that changes will not retrospectively alter the material rules of a competition already entered except where reasonably necessary for legal, regulatory, security, integrity, or technical reasons.

3. Account Registration and Security

3.1: You must create an account to access certain features of the Services.

3.2: You agree to provide accurate, complete, and up-to-date information during registration and at all times thereafter.

3.3: You are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account.

3.4: You agree to notify the Company immediately of any unauthorized access or use of your account.

3.5: The Company reserves the right to suspend or terminate any account that provides false, misleading, or incomplete information.

3.6: Unless otherwise expressly permitted by the Company, each User may maintain only one account and may not create, control, or use additional accounts.

3.7: You may not sell, transfer, share, lend, or allow another person to use your account or participate in competitions on your behalf.

3.8: The Company may require Users to complete identity, age, address, account ownership, or other verification checks where reasonably necessary for legal, regulatory, fraud prevention, payment, security, or eligibility purposes.

3.9: The Company may temporarily restrict competition entry, deposits, withdrawals, or other account functionality while required verification checks are pending or incomplete.

4. Deposits, Withdrawals, and Fees

4.1: The Services may permit Users to deposit real money in order to participate in paid skill-based competitions.

4.2: All deposits must be made using payment methods approved by the Company.

4.3: Deposited funds are intended solely for participation in eligible skill-based competitions and are not withdrawable, except where required by applicable law.

4.4: Only winnings earned through participation in eligible skill-based competitions are withdrawable.

4.5: Withdrawals of eligible winnings are subject to identity verification, anti-fraud checks, minimum withdrawal thresholds, and applicable processing times.

4.6: The Company may charge platform, service, or transaction fees. All applicable fees will be disclosed to you prior to entering a paid competition or completing the relevant transaction.

4.7: Except where required by applicable law or where an entry fee is returned following the cancellation, voiding, interruption, or refund of a competition, deposited funds are non-refundable.

4.8: The Company may cancel a game, match, or competition where required for legal, regulatory, technical, operational, or eligibility reasons, including where the minimum participation requirements for an Arena tournament are not met. Where a competition is cancelled, the applicable entry fees paid by participating Users will be refunded in full.

4.9: Deposits, account balances, returned entry fees, winnings, withdrawals, chargebacks, payment disputes, Bonus Cash, and related payment activity are also governed by the Company's Deposits and Withdrawals Policy, which forms part of these Terms.

5. Matchmaking, Ratings, and Fair Play

5.1: The Services utilize a skill-based matchmaking and rating system designed to pair Users of comparable skill levels.

5.2: You agree not to exploit, manipulate, or attempt to interfere with matchmaking, rating, scoring, ranking, or competition systems.

5.3: Cheating, collusion, account sharing, use of automated scripts, bots, modified software, exploits, unauthorized software, score manipulation, intentional interference with connectivity, abuse of bugs, or any other attempt to gain an unfair advantage is strictly prohibited.

5.4: The Company reserves the right to monitor gameplay and competition results and to investigate suspected violations, subject to applicable law.

5.5: Where cheating, fraud, collusion, technical manipulation, account misuse, or another material violation is reasonably suspected, the Company may temporarily delay a competition result, hold the affected prize or winnings, restrict relevant account functionality, or conduct an investigation.

5.6: Where a material violation is confirmed, the Company may void or correct affected competition results, reverse or adjust winnings directly associated with the confirmed violation, refund unaffected Users where appropriate, suspend or terminate accounts, and take other proportionate action permitted by applicable law.

5.7: The Company may correct an obvious technical, administrative, or accounting error affecting a competition result, prize, or account balance where reasonably necessary, provided that any correction is limited to addressing the relevant error and remains subject to applicable law.

6. Prohibited Conduct

You agree that you will not, directly or indirectly:

• Use the Services for any unlawful or fraudulent purpose
• Engage in abusive, harassing, threatening, or discriminatory behavior
• Attempt to hack, reverse engineer, disrupt, or compromise the Services
• Create or use multiple accounts to gain an unfair advantage
• Allow another person to use your account or play on your behalf
• Manipulate, falsify, or interfere with scores, results, rankings, location information, or competition data
• Exploit bugs, vulnerabilities, or technical errors to gain an unfair advantage
• Engage in money laundering, payment abuse, or chargeback fraud

Any violation of this section may result in account restrictions, suspension, termination, competition results being voided or corrected, and other proportionate action permitted under these Terms and applicable law.

7. Prizes and Winnings

7.1: Winnings, if any, are determined solely by valid competition outcomes and applicable fees.

7.2: The prize or prize structure applicable to a paid competition will be displayed within the Services before entry.

7.3: Only eligible winnings are available for withdrawal. Deposited funds are not withdrawable except where required by applicable law.

7.4: Returned or refunded entry fees do not constitute winnings and will be handled in accordance with the Deposits and Withdrawals Policy.

7.5: The Company makes no representations or guarantees regarding earnings, profitability, winnings, or success.

7.6: You are solely responsible for reporting and paying any taxes, duties, or governmental assessments associated with your winnings where required by applicable law.

8. Suspension and Termination

8.1: The Company may suspend or terminate your account, with or without notice, if you violate these Terms, engage in suspected fraud or illegal activity, materially interfere with competition integrity, or if required by law or regulation.

8.2: The Company may impose temporary restrictions while an account, competition result, payment, or suspected violation is being reasonably investigated.

8.3: Upon termination, any eligible winnings remaining in your account may be made available for withdrawal, subject to applicable identity verification, fraud prevention checks, holds, disputes, and legal requirements.

8.4: Deposited funds that have not been used to participate in eligible competitions are not withdrawable upon termination, except where required by applicable law.

8.5: Where permitted by applicable law, winnings or funds directly associated with fraud, cheating, abuse, chargebacks, or violations of these Terms may be withheld, reversed, adjusted, forfeited, or otherwise handled in accordance with applicable law.

9. Intellectual Property Rights

9.1: All content, software, trademarks, and intellectual property associated with the Services are owned by or licensed to the Company.

9.2: Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes.

9.3: You may not copy, modify, distribute, sell, reverse engineer, or create derivative works from the Services except where expressly permitted by applicable law or with the Company's prior written consent.

10. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

THE COMPANY DOES NOT GUARANTEE THAT THE SERVICES WILL ALWAYS BE AVAILABLE, UNINTERRUPTED, ERROR-FREE, OR FREE FROM TECHNICAL FAILURES. NOTHING IN THESE TERMS EXCLUDES OR LIMITS ANY WARRANTY, RIGHT, OR REMEDY THAT CANNOT LAWFULLY BE EXCLUDED.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES.

THE COMPANY'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO THE COMPANY DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, EXCEPT WHERE SUCH A LIMITATION IS NOT PERMITTED BY APPLICABLE LAW.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses arising out of or related to your use of the Services or violation of these Terms, to the extent permitted by applicable law.

13. Governing Law and Dispute Resolution

13.1: These Terms shall be governed by and construed in accordance with the laws of England and Wales, without limiting any mandatory statutory or consumer rights available to you under applicable law.

13.2: If you are resident in England or Wales, you may bring legal proceedings in the courts of England and Wales. If you are resident in Scotland, you may bring legal proceedings in the Scottish courts where permitted by applicable law.

13.3: Before commencing formal legal proceedings, Users are encouraged to contact the Company at support@skillforgeio.com so that the Company has an opportunity to investigate and attempt to resolve the dispute.

14. Data Protection and Privacy Requests

14.1: The Company processes User personal data in accordance with its Privacy Policy and applicable data protection laws. For Users in Great Britain, this includes the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and any other applicable data protection legislation.

14.2: Users may request access to the Company's GDPR information document by contacting the Company through the support function within the Services or by emailing support@skillforgeio.com.

14.3: Users may also contact the Company to make a data protection or privacy request, including a request to access, correct, delete, restrict, or receive a copy of their personal data, subject to applicable legal requirements and exemptions.

14.4: The Company may require Users to verify their identity before responding to any GDPR document request, privacy request, or data protection request.

14.5: The Company will respond to valid requests within the time period required by applicable law.

15. Service Suspension or Closure

15.1: The Company (SkillForgeIO) reserves the right, at its sole discretion, to suspend, discontinue, or permanently terminate the Services, in whole or in part, at any time for business, legal, regulatory, or operational reasons.

15.2: In the event of a permanent closure of the Services, the Company will provide Users with no less than thirty (30) days' written notice via the email address associated with their account, except where a shorter period is required by law, regulation, court order, payment provider requirement, or circumstances outside the Company's reasonable control.

15.3: During this notice period, Users will be provided the opportunity to withdraw any eligible winnings available in their account, subject to standard identity verification, anti-fraud checks, withdrawal minimums, and applicable processing requirements.

15.4: Deposited funds are not withdrawable during the closure process except where required by applicable law. The Company may handle unused deposited funds in accordance with applicable law and its Deposits and Withdrawals Policy.

15.5: Users are solely responsible for ensuring that their account information, including their email address and withdrawal details, is accurate and up to date in order to receive notice and successfully withdraw eligible winnings.

15.6: Any eligible winnings remaining in User accounts after the notice period may be handled in accordance with applicable law, including applicable requirements relating to unclaimed funds or property.

15.7: To the fullest extent permitted by applicable law in Great Britain (England, Scotland and Wales), the Company shall not be liable for any loss resulting from a User's failure to withdraw eligible winnings within the provided notice period.

16. Modifications to the Terms

16.1: The Company may update these Terms from time to time to reflect changes to the Services, competition formats, legal or regulatory requirements, security practices, or operational requirements.

16.2: Where a change materially affects a User's rights or obligations, the Company will provide reasonable notice through the Services, by email, or through another appropriate communication method before the change takes effect where required by applicable law.

16.3: Material changes will not retrospectively alter the outcome of a completed competition except where reasonably necessary to correct fraud, cheating, a technical or administrative error, or to comply with applicable law.

16.4: Continued use of the Services after revised Terms take effect constitutes acceptance of the revised Terms, subject to any rights available under applicable law.

17. Scores, Results, and Ties

17.1: Competition results will be determined using the score, gameplay result, or other performance data recorded and accepted by the Services.

17.2: Where there is a discrepancy between a score displayed locally on a User's device and the valid result recorded by the Company's systems, the Company may review the available gameplay and server data to determine the correct competition result.

17.3: Any applicable tie-break rules will be displayed within the relevant game or competition rules where required. Users agree that ties will be resolved in accordance with those applicable rules.

17.4: The Company may delay confirmation of a result or distribution of a prize while a competition result is undergoing a reasonable integrity, technical, fraud, or fair-play review.

17.5: Once a competition result has been confirmed and any applicable review completed, the result will be treated as final subject to any correction required for fraud, cheating, technical error, payment reversal, or applicable law.

18. Early Exit, Disconnections, and Technical Failures

18.1: Users are responsible for maintaining a compatible device, a stable internet connection, and any other technical requirements reasonably necessary to access and complete a competition.

18.2: Where a game permits a User to exit or end gameplay before normal completion, the score or result recorded at the point of exit may be submitted as that User's final competition result in accordance with the applicable game rules.

18.3: Closing the application, losing an internet connection, receiving a phone call, running out of battery, device failure, or another issue affecting only the User's device or connection will not automatically entitle the User to a refund.

18.4: Where a material technical failure affecting the Services prevents a competition from being fairly completed or prevents a valid result from being determined, the Company may cancel or void the affected competition and refund the applicable entry fees.

18.5: In determining whether a competition should stand, be corrected, or be voided following a technical issue, the Company may review available gameplay data, server records, timestamps, connection information, and other relevant technical records.

19. Location Verification

19.1: The Services may use device, network, geolocation, or other location information to determine whether a User is physically located in Great Britain (England, Scotland or Wales) and otherwise meets the applicable location requirements.

19.2: You must not use a VPN, proxy, GPS spoofing tool, location manipulation software, or any other method intended to conceal, falsify, or misrepresent your physical location when accessing paid competitions.

19.3: The Company may refuse or restrict access to paid competitions where a User's location within Great Britain cannot be reliably verified or where participation is prohibited or restricted by applicable law.

19.4: Users may be required to permit location access or complete additional location verification checks before participating in certain paid competitions.

20. Competition Result Disputes and Complaints

20.1: If you believe a competition result, account action, payment-related decision, or other aspect of the Services is incorrect, you may contact the Company through the support function within the Services or by emailing support@skillforgeio.com.

20.2: Competition result disputes should be raised as soon as reasonably possible after the relevant competition so that the Company can review available gameplay and technical records.

20.3: You may be required to provide reasonable information relating to the disputed competition, including the relevant game, competition, approximate time, score, or account details necessary to identify the matter.

20.4: The Company will review complaints and disputes in good faith and may uphold, correct, or void a competition result where supported by the available records and permitted under these Terms and applicable law.

20.5: Nothing in this section limits any statutory rights, legal remedies, or complaint rights available to you under applicable law.

21. Third-Party Services

21.1: The Services may rely on third-party providers for functions including payment processing, identity verification, geolocation, fraud prevention, hosting, communications, analytics, or other technical and operational services.

21.2: The availability or performance of certain features may depend on third-party systems that are outside the Company's reasonable control.

21.3: Your use of certain third-party services may also be subject to terms, policies, or requirements imposed by the relevant third-party provider where applicable.

22. Apple and App Store Disclaimer

22.1: Where the Services are accessed through an Apple device or the Apple App Store, these Terms are between you and the Company and not with Apple Inc.

22.2: Apple is not a sponsor, organizer, or administrator of SkillForge competitions and is not responsible for competition operation, entry fees, prizes, winnings, competition results, or payment activity conducted through the Services.

22.3: Apple has no obligation to provide maintenance or support services in relation to the Services except as required under applicable law or the applicable App Store terms.

23. Contact Information

If you have any questions regarding these Terms, you may contact the Company at:

Email: support@skillforgeio.com

Company Name: Skill Forge IO LTD